PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Depository Trust Company, The

Brooklyn, NY · Cert 90544

FDIC

Q2 2026

$11.0BAssets
$0KLoans
$0KDeposits
$1.0BEquity

Executive Summary

  • Earnings: ROA of 1.18%, down 90 bps year over year; NIM at 0.48%.
  • Capital: tier 1 leverage ratio of 12.84%, down 605 bps from a year ago.

Return on Assets (YTD, annualized)

1.18%-90 bps YoY

Net Interest Margin (YTD, annualized)

0.48%-60 bps YoY

Efficiency Ratio (YTD, annualized)

80.36%+238 bps YoY

Tier 1 Leverage Ratio

12.84%-605 bps YoY

NIM

1.15%Q2 ’241.07%Q2 ’250.80%Q2 ’26-6%-56%

Non-interest income vs. expense

10.77%Q2 ’2411.81%Q2 ’258.21%Q2 ’26-59%+31%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.62%2.50%2.08%2.20%2.24%1.72%1.18%-90 bps
Return on Equity9.77%9.81%10.71%10.28%11.57%11.25%10.45%9.10%-118 bps
Net Interest Margin1.33%1.53%1.35%1.09%0.93%1.11%0.84%0.48%-60 bps
Efficiency Ratio79.74%79.82%77.32%77.98%76.20%76.96%78.14%80.36%+238 bps
Non-Interest Burden-1.41%-1.62%-2.29%-1.82%-1.86%-2.20%-1.90%-1.26%+55 bps
Growth
Asset Growth (YoY)22.03%-54.05%11.62%-0.72%15.70%17.87%90.04%94.45%+9,517 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.75%23.19%22.40%18.89%16.68%20.56%18.19%12.84%-605 bps
Total Risk-Based Capital76.28%114.81%96.10%73.39%73.35%108.01%57.01%42.05%-3,134 bps
Equity / Assets16.82%25.83%21.39%16.13%16.14%24.34%12.50%9.18%-695 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets95.01%95.13%96.00%96.74%96.91%95.57%97.71%98.16%+142 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a